A student loan can be obtained from Alfa-Bank. The funds can be used to pay for studies in Russia or abroad. The lending program allows you to process transactions in amounts from 50 thousand to 2 million rubles for a period of up to 3–5 years. Borrowers aged 21 years and older can apply for a loan to pay for education.

Advantages of educational loans at Alfa-Bank

• Lack of collateral and guarantors;

  A loan for studying abroad or in Russia can be obtained without guarantors. In addition, borrowers can choose which documents, in addition to a passport and income certificate, to submit to receive loan funds (driver’s license, copy of work record book, TIN certificate, compulsory medical insurance policy, pension insurance certificate, vehicle registration certificate).

• Possibility to apply online;

  Alfa-Bank has a convenient system for applying for student loans - all it takes is 15 minutes to fill out an online application. It is necessary to indicate basic information - passport details, contact details, registration address, place of work.

• Improved credit scoring mechanisms;

  You can receive a loan to pay for university education within 1–2 days after applying. Such a high speed of processing applications is possible thanks to new mechanisms for assessing creditworthiness and checking the credit history of borrowers.

• Modern credit account management technologies;

  To obtain information about the amount remaining to repay the loan, find the nearest Alfa-Bank branch or ATM, and make a payment, you can use the convenient Alfa-Click Internet bank or the Alfa-Mobile mobile application, compatible with any smartphones and tablets . You can ask any questions to consultants in the 24/7 Alfa-Mobile online chat.

From December 1, 2018, you can receive a subsidy from the state for an educational loan. In this case, the benefit will be 2/3 of the Central Bank refinancing rate. That is, a student receives a student loan at a reduced rate. And he will have to pay for it only after training. Find out how to get such a loan, who can give it to you and how it works in this article.

What is an education loan and how is it different from other loans?

In essence, an education loan is an ordinary consumer loan. But it has several specific conditions.

• First of all, it is targeted. Issued to a future student to receive education at a paid university;
• The student does not receive any money in hand. They are transferred directly to the university account subject to a number of conditions;
• One of the most important conditions for obtaining is successful study. Information about grades for the session is received by the bank at the end of each semester and, if the conditions for academic performance are met, the next payment is made. If not, the student is expelled or pays independently;
• There is no need to pay the main interest and the “body” of the loan while studying. All calculations are made only after the graduate passes the final exams and starts working. Plus 3 months for adaptation. Payments already begin with the salary. During the course of study, banks, in accordance with state regulations, may introduce an obligation to pay only part of the accrued interest. This way, interest accumulates more slowly and payments are less significant.
• Interest is calculated on the money actually paid to the university. But, since they are not paid, they are “refinanced” and added to the “body”. Thus, you then need to pay interest on interest as well.
• The maximum amount is 7 subsistence minimums for the constituent entity of the Russian Federation (Moscow - 15,397 rubles for 2018 multiplied by 7) and benefits multiplied by the number of months, taking into account interest (that is, the maximum debt together with interest cannot exceed 7 minimums multiplied by the sum of the number of months of study and 3 months for adaptation at work).

Who can get an education loan and what is needed for this?

The requirements are imposed not only on the borrower, but also on the university where he will study. If everything is more or less clear with the borrower, he is studied in much the same way as for obtaining any other loan (the availability of information about him in the credit history bureau, his biography is studied from the point of view of the police, his permanent registration at the place of registration, etc.) , then the university is assessed from the point of view of state registration and the likelihood that the graduate will get a good, well-paid job that will allow him to make payments. Sberbank and the Ministry of Education and Science (Ministry of Education and Science) even maintain entire registers of higher educational institutions that are eligible for loan benefits and for which they can be issued in principle.

In this regard, it is easier for the student and it's better to choose right away The university is more prestigious (large Moscow ones, etc.), because you still have to pay a little right away, and the level of payment for a specialist who has graduated from a good university will allow him not only to quickly pay off the loan, but also to earn good money in the future, without wasting time on secondary education quality and related work.

Do I need collateral and a guarantor?

To obtain a loan from Sberbank, collateral (property, real estate, securities) and the presence of a guarantor are highly desirable. Similar preferences are expressed in other banks. However, in the absence of collateral and guarantors, the road to lending is not at all closed. In each individual case, the bank independently assesses its risks and if the recipient is satisfied with the candidacy, there are no requirements for the presence of collateral and a guarantor. Although, when considering a possible interest rate, their presence may play in favor of reducing it, because in this way the bank’s risks are reduced.

Do I need to pay extra myself, make a down payment?

As for the down payment, it all depends on the specific bank and the specific program. The maximum required down payment from practice is 20%. The minimum is zero. But in this case, the bank risks more and is forced to more carefully evaluate the prospective borrower.

Even with state support and related benefits, you still have to pay extra on your own. The minimum rates on such loans are 12%, in fact they can reach 17% - 19%, and the state can only guarantee 3/4 of the Central Bank refinancing rate. From March 26, 2018, this rate is set at 7.25%, so the benefit for an educational loan will be 5.437%.

Amount of state subsidy for educational loan

As has already been calculated, on average (if there is no decision to change the refinancing rate of the Central Bank), 5.437% of the rate is subsidized by the state. Example - if a student receives a loan at a rate of 12% per annum, then in fact upon completion of studies the payments will be the same as for a loan at a rate of 6.563%. If at the time of registration the Bank of Russia decides to increase the base rate, then in this case (while maintaining 12%), the loan to the borrower will cost less - the state’s share in paying for university education will increase.

The total duration of the program is 10 years. It is assumed that it will be enough for training and to fully pay off debts. The bank’s agreement stipulates how many years the future graduate will have to pay off the debt; based on this, future payments will be established.

By the way, there is no point in hoping that the bank will go bankrupt within this period and there will be no need to pay. About it - . In addition, in the Government Resolution, the state guarantees banks a return of 20% of the amount of non-repaid education loans, thereby reducing risks and making the issue of participation in this program more attractive for banks.

Which banks participate in the preferential program and which universities can you enroll in?

At the time of writing, the only participant in the program was Sberbank. However, the upcoming Government Resolution should expand the list of participating banks. As well as the number of universities that will have the right to conclude trilateral funding agreements.

If your funds for higher education are not enough, you should take out a profitable education loan in Moscow. This is a type of targeted loan, like a car loan or mortgage. These days, educational loans in Moscow can be obtained from various banks, including Sberbank, VTB Bank, Gazprombank, Rosselkhozbank, Alfa-Bank and many others.

What are the conditions for educational loans in Moscow?

Banks now offer students a loan with the following favorable conditions:

• interest rates are about 7.5% per annum without increase;
• the opportunity to get a loan for the unemployed;
• the ability to close the loan early without penalties;
• the loan amount can cover the cost of training up to 100%;
• the opportunity to receive money for any form of education, including study abroad;
• a long period of payments for students, which includes the period of study itself, and an additional 10 years upon graduation.

Like a consumer loan, this banking program in Moscow can be issued without collateral and without guarantors. Private and public education loans do not require insurance - you can only take out insurance if you specifically wish.

How to get an education loan in Moscow

To take out a loan for education in Moscow, you need to study the conditions that banks offer for such programs, and then apply for such a loan product. It is not necessary to contact the branch in person; an online loan application will do. In a few hours, a decision on your request will be made, and if it turns out to be positive, you can receive the money in your account within a few days.

January 2019

Without higher education today it is difficult to count on a prestigious and highly paid job. In a number of sectors of the economy, a specialist without a “tower” will not even be considered. However, the number of budget places in universities is always limited and therefore more than half of all Russian students study for a fee. Not all parents have money for education, and young people themselves, due to lack of experience and skills, can rarely earn good money. The only way out sometimes is to take out a loan from a bank, and the question of how to get a loan for higher education for students is very relevant today.

What is an educational loan?

An educational loan is a bank loan for a student to obtain higher or secondary specialized education, or certain skills in advanced training courses. A number of banks only work with loans for higher education, but this is their right. A distinctive feature of such a loan is that the student does not receive the money in person, since it is transferred directly to the account of the university or other educational institution. The loan can be provided in parts, that is, as the need to pay for the next semester arises.

Payment of the loan itself (except for interest, and sometimes they are paid partially) during the study period is not made. This allows you to calmly pay the bank when the student already gets a job.

If a student receives an educational loan with government support, the interest rate will be lower compared to conventional loans. However, such programs are only suitable for a specific list of universities and specialties. The provision of such loans is regulated by Article 104 of Federal Law No. 273 “On Education in the Russian Federation”.

How to get a loan to study at a university?

To obtain a loan for studying at a university, you should contact a bank that provides this type of loan. A financial institution specialist will tell you what documents need to be collected. In any case, the student will be required to:

1. Passport and copies of pages with photo and registration. Sometimes you may need a second document confirming your identity (passport, military ID, driver's license).
2. Certificate 2-NDFL from the place of work, if the student is working. It may not be available if you receive your first higher education, but for those who receive a second higher education or take courses, it is required.
3. Agreement with the university for training. This document confirms the intended use of the future loan. In other words, you first need to enroll in an educational institution and only then apply for a loan.
4. A certificate from the university about the cost of training indicating the terms of payment. The bank will transfer the required amount to the educational institution.

The student should not forget about possible additional income, if he has any (scholarship, dividends from shares, rental of real estate, part-time work). They also need to be documented in order to increase your solvency. Any movable or immovable property owned (room, apartment, car) will serve as an additional guarantor for the bank to pay the future loan. And for large amounts (more than 300–500 thousand rubles, depending on the bank), security in the form of collateral will be necessary. This does not apply to educational loans with state support, which are provided on preferential terms.

Both adults and persons under 18 years of age can apply for a student loan for education. But in the latter case, you will additionally need notarized consent of the parents (or trustees) to receive such a loan and permission from the guardianship (trusteeship) authorities. There is an important nuance here: young people under guardianship will not be able to count on an educational loan until they reach adulthood.

Depending on the bank, it is possible to finance education in foreign universities, and not only in Russian universities.

Education loan terms

Each bank has its own specific conditions for student loans. Among the main ones, the following should be highlighted:

• the interest rate is limited to the range of 7–20%, the lowest rates are for programs with state support;
• the amount of the down payment is 10–40% of the total loan amount, but for programs with government support it is not needed at all;
• loan repayment period after graduation from 2 to 10 years;
• sometimes (but not always) it will be necessary to conclude an insurance contract for life, health and the collateral, if any;
• permanent registration of the student at the bank location;
• the presence of guarantors (not always) as security for loan payments with a stable official income and a good credit history;
• the maximum loan amount under the program with state support is not limited, and in other cases it usually ranges from 250 thousand rubles to 1 million;
• it is possible to attract co-borrowers;
• the need to provide a diploma and a certificate of official employment after graduation.

Which banks issue education loans?

Not all banks issue targeted education loans. And in those credit institutions that provide such loans, the programs are very different when compared with each other. Five major banks that borrowers may consider taking out a loan are discussed below.

This bank offers students a loan for education from 15,000 to 1,000,000 rubles. Deferred payments for the period of study are not provided. That is, you will have to repay the loan immediately after taking it out. At first, the interest on the loan will be:

• 24.9–38.9% per annum (for a loan term from 12 to 18 months);
• 22.9–37.9% per annum (from 19 to 36 months);
• 24.9–37.9% per annum (from 37 to 60 months).

These terms will apply for the first 4, 8, or 12 months (depending on the loan term). And then, if the client repays monthly payments on time, the rate is reduced to 11.5% per annum, regardless of the term.

The bank lends to borrowers over 21 years of age. They must be employed and have at least 3 months of experience at their current place of work.

It is clear that such an offer from the bank is more like a regular consumer loan. It is suitable for working students enrolled in distance learning.

At the moment, the country's leading bank has suspended the program for issuing educational loans with government support. This is due to the introduction of new formulas and coefficients for such loans and so far no amendments have been made to the laws and regulations. However, the state promises not to abandon this program.

Before Sberbank stopped issuing educational loans with state support, it offered the lowest loan interest rate in this sector - 7.5% per annum. And interest in excess of this amount (75% of the refinancing rate) was transferred to the bank by the state. The interest itself was paid in full only from the 3rd year of study, and in the first 2 years it was accrued partially. The program provided for payment of 100% of all tuition for any form of training without fees, guarantors, insurance or collateral.

Now Sberbank can only offer students a consumer loan at an interest rate of 12.9 to 19.9% ​​per year according to the standard program. The minimum amount is 30 thousand rubles, the maximum is 3 million rubles. The maximum period is 5 years without collateral or guarantors. The loan will be provided only to borrowers over 21 years of age.

Post Bank

It is proposed for the student to apply for a loan under the “Knowledge-Power” program. You can get up to 2,000,000 rubles for education at 14.9% per annum. But the rate is valid only when activating the “Participation in the insurance protection program” service. Otherwise, the borrower will be offered 27.9% per annum. During your studies, you only need to pay interest, and it is calculated on the money actually disbursed (the loan is provided in installments - for each semester). It is possible to add your own funds or even fully pay for any period while maintaining the possibility of using the loan in the future.

The bank works only with a certain list of universities, which can be found on the official website of Post Bank. The borrower must be over 18 years old and have at least 3 months of work experience. If a student does not fit into these requirements, then he can act as a co-borrower (age allowed from 14 years). An important nuance: the presence of at least one co-borrower (a maximum of two is allowed) is mandatory if the borrower himself is not a student.

The repayment period for an education loan for students can be up to 150 months (14.5 years). While looking for a job after graduating from university, when conscripted into the army or while on academic leave, a deferment in the payment of the principal debt is allowed.

At the moment, this bank does not have a special program for providing education loans. But you can resort to a classic consumer loan or credit card at 11.9–25.7% per annum. The lowest rates are offered to clients of a financial institution, as well as to those who already have a positive credit history.

You can take out a loan for 5 years, the maximum amount is 700 thousand rubles. The borrower must confirm his income with a certificate in the form of a bank, or 2-NDFL. Work experience at the current place of work must be at least 3 months. Renaissance Credit has set the minimum age for a bank client at 20 years, and for other borrowers at 24 years.

This bank offers students a consumer loan at 14.9% per annum (subject to activation of the “Guaranteed Rate” service). You can borrow up to 1,000,000 rubles for up to 3 years. If you need up to 100,000 rubles, then you can get a loan under another program at 12% per annum. The borrower himself must be at least 20 years old and have at least 4 months of experience with his last employer.

When deciding how to take out a loan for your child’s education, you need to carefully assess your financial capabilities, including your future salary. Otherwise, repaying the loan may become a heavy burden. In general, this type of lending is still developing in our country.

Video on the topic

Study loan with state support at Sberbank - is it valid in 2018 and its conditions?

A student loan from Sberbank and its conditions in 2018 will be discussed in this article. This program is popular among clients and many students have already used it.

Is it issued Sberbank loan for education in 2018?

Yes, such a program exists; the official website will soon be accepting applications from clients. Therefore, any applicant will be able to take advantage of this advantageous offer.

What's the news? On the renewal of an educational loan from Sberbank

The issuance of student loans was suspended for a short time, this fact caused panic among potential clients. But the provision of loans will be restored from December 1, 2018, and no more problems should arise. The cessation of accepting applications was due to the process of improving the conditions of state support for the loan.

Alternatives to an educational loan with state support from other organizations

Let’s be honest – you won’t find worthy alternatives from other organizations. You can get a regular targeted loan, but the interest on it will be at least 1.5-2 times higher. Therefore, you will have to contact Sberbank for a loan. However, work is already underway to introduce similar loans to other banks, and most likely it will be possible to exchange similar loans between banks.

Today, only this bank has the right to issue educational loans with government support. He regularly receives subsidies from the budget. The government will reimburse part of the interest rate to make loan repayment easier for students.

Why choose this institution?

Why should you apply for an education loan for students at Sberbank? Let's list the main reasons:

• You can get a loan from Sberbank with government subsidies;
• Special conditions are offered for borrowers;
• You will be able to gradually return the money;
• It won’t take you long to collect the required amount to pay for training;
• The loan is available for various clients;
• Reduced rate offered;
• Registration does not take much time;
• The financial institution guarantees fair terms of cooperation;
• The likelihood of approval is quite high;
• There is no issuance fee.

Terms of Sberbank education loan for students

Loan terms:

• Loan amount – up to 100% of the cost of training;
• Interest – from 7.5%;
• Duration of payment – ​​training period + 10 years;
• No need to provide collateral;
• No insurance required;
• There are no additional commissions;
• There are no restrictions on the form of training.

The conditions for a student loan at Sberbank are quite simple. During your studies, you can only pay interest. The student is given a deferment to repay the principal debt.

Also, in the first year you can pay only 40% of the accrued interest. In the second year this parameter will be 60%. Starting from the third year, the borrower repays the interest in full.

What are the requirements:

• Minimum age – 14 years;
• Availability of Russian citizenship.

What papers will be required:

1. Questionnaire;
2. Passport;
3. Certificate confirming temporary registration;
4. Agreement for the provision of services in an educational institution;
5. A payment document from an organization for the transfer of funds.

Minors can receive a loan only with the permission of their legal representatives. If their answer is positive, you can go through the registration procedure at the bank; for this you need the following documents:

1. Birth certificate;
2. Passport of parents/guardians;
3. Permission from guardianship authorities;
4. Consent of the borrower's parents/guardians in writing.

How to get a loan?

How to get an education loan from Sberbank?

1. You need to select the nearest office of a financial institution.
2. Visit him and get an appointment with a specialist.
3. Provide a package of requested documents;
4. The employee will study all the papers;
5. Will accept the application for consideration;
6. It may take up to four days for your request to be reviewed;
7. Once the decision is made, staff will contact you;
8. If the answer is positive, you need to come to the office and sign an agreement;
9. The bank will transfer the funds to the account of the educational institution;
10. The establishment must confirm receipt of the money.

Collection of papers

Before visiting the office, you will need to collect a number of documents:

1. First of all, come to an educational institution.
2. Conclude an agreement with him, request a copy of the agreement and a payment slip for depositing funds.
3. If you live at the place of temporary registration, then issue the appropriate certificate.
4. Attach your passport and you can go to the bank office.

Redemption

Education loan repayment scheme:

• During the course of study, the student pays only interest. In years 1 and 2 they decrease by 60% and 40%;
• After complete completion of training, the client is given an additional deferment of three months;
• Upon completion, the loan repayment process begins as usual.

Sberbank provides a deferment for the client to look for a job. You have enough time to find further employment and begin repaying the loan. Early repayment is also allowed without additional commission.